6. Chop prices. Bags of precut, prewashed salad greens and cut-up produce are convenient, but have you done any cost comparisons lately? You’ll pay at least double, and end up with produce that is not nearly as fresh as you’ll get when you chop your own.

7. Turn off the TV. A 60" plasma TV that’s on for five hours a day could cost $130 a year to run. Unless you’re actively watching TV, turn it off—especially if it’s plasma.

8.Use gift cards for practical things. Most retailers, even supermarkets and gas stations, offer gift cards these days. Let’s say you intend to spend $400 for groceries this month. Buy a card in that amount from your supermarket and use it as you would a debit or credit card during the month.

9. Beat the heat. During the summer months, apply a reflective film to the window panes in your home. It won’t block the light but it rejects up to 70 percent of the sun’s heat. Plan on saving at least $100 a year off your energy bill.

10. Call your auto insurer. You may be eligible for discounts on your auto insurance, but you’ll never know until you ask. Most auto insurance companies will knock about 10 percent off the top if an insured teen maintains a 3.0 GPA. Insurers also give discounts of 20 percent or more when you insure all of your cars with one company. Ask to see a complete list of your insurer’s possible discounts.

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